Senshu Ikeda Holdings,Inc. [8714.T]
TOKYO, Jun 15 (Pulse News Wire) – Senshu Ikeda Holdings,Inc. (8714.T) held a Q&A session during its fiscal year-end earnings briefing on June 2.
The company outlined plans to expand deposits through various strategies, including community engagement initiatives and digital partnerships. Regarding deposit growth, Senshu Ikeda aims to increase personal deposits by ¥110.0 billion without offering interest rates. They also plan to boost corporate deposits by ¥60.00 billion. A portion of personal deposits, amounting to ¥30.00 billion, will carry interest rates. The company noted that while higher interest rates attract more deposits, they also incur additional costs, requiring careful management. Corporate and public sector deposits totaling ¥300.0 billion will focus on large enterprises, which require separate loan and deposit management approaches. For liquidity risk concerns related to securities holdings, Senshu Ikeda balances maturity-based holdings with other investment securities.
The company maintains a certain level of maturity-based holdings but does not intend to hold all securities until maturity due to potential liquidity risks. In discussions about the future profitability of 01 Bank, Senshu Ikeda expects a net profit of ¥30.00 billion in fiscal 2028, with 01 Bank contributing ¥30.00 billion towards this target. Despite projected losses of ¥2.800 billion in fiscal 2026, Senshu Ikeda believes that reducing credit risk exposure could lead to improved performance. Increasing loan portfolios remains a key challenge, with efforts focused on expanding customer outreach and enhancing credit models. Additionally, Senshu Ikeda detailed its capital alliance with Shiga Bank, maintaining a holding ratio of 0.5 to 1%. While considering further increases in the holding ratio, the company emphasized the importance of sustained collaboration beyond initial commitments. Senshu Ikeda also plans to enhance its digital workforce by adding approximately 200 digital base personnel, despite challenging hiring conditions.
This expansion aligns with their strategic goals for digital transformation and operational efficiency.
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